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Loans

One honest term loan, built for six common jobs

Every Crescent loan works the same way: a fixed monthly payment, a true APR, one 3% origination fee and no prepayment penalty. What changes is the amount and term that make sense for the job. Pick yours to see typical terms and a worked example.

Amounts
$10,000 to $500,000
Terms
6 to 48 months
Example APRs
8.4% to 36.6%

Loan products

  • A shop owner at his desk with a calculator and a stack of invoices, planning the month's cash flow

    Working capital loans

    A fixed-payment loan that covers payables, payroll timing and seasonal dips while your customers' invoices catch up.

    Typical amount
    $10,000 to $150,000
    Typical term
    6 to 18 months

    Representative example: $40,000 over 12 months at 16.9% APR is $3,646/month, total cost $4,956 including the fee.

    See terms and the full example
  • A commercial kitchen line with stainless steel ranges, hoods and prep tables

    Equipment loans

    Buy or replace the equipment your business runs on with one fixed monthly payment. We don't take the equipment as specific collateral.

    Typical amount
    $25,000 to $350,000
    Typical term
    12 to 48 months

    Representative example: $90,000 over 36 months at 19.4% APR is $3,317/month, total cost $32,122 including the fee.

    See terms and the full example
  • A clothing boutique owner counting stock on the rails with a tablet in hand

    Inventory loans

    Buy inventory ahead of demand, then repay as it sells. The term should match how fast your stock turns.

    Typical amount
    $15,000 to $200,000
    Typical term
    6 to 24 months

    Representative example: $60,000 over 12 months at 16.9% APR is $5,469/month, total cost $7,433 including the fee.

    See terms and the full example
  • A bright commercial space mid build-out, with a ladder, fresh drywall and protective floor paper

    Expansion and renovation loans

    Larger loans with longer terms for growth you have planned: a new lease, a remodel or a build-out with a contractor's quote in hand.

    Typical amount
    $50,000 to $500,000
    Typical term
    24 to 48 months

    Representative example: $150,000 over 36 months at 19.4% APR is $5,529/month, total cost $53,536 including the fee.

    See terms and the full example
  • A manager leaning in to help a smiling new hire with a task on his laptop

    Hiring and payroll ramp loans

    Fund the first months of new hires while they train and ramp, when you can show the work they will bring in.

    Typical amount
    $20,000 to $150,000
    Typical term
    12 to 24 months

    Representative example: $50,000 over 18 months at 17.6% APR is $3,181/month, total cost $8,754 including the fee.

    See terms and the full example
  • A business owner at her desk comparing loan statements line by line with a pen

    Refinancing loans

    Pay off an expensive business loan or advance with one fixed monthly payment, when the numbers show a lower total cost.

    Typical amount
    $10,000 to $350,000
    Typical term
    12 to 36 months

    Representative example: $80,000 over 24 months at 18.4% APR is $4,009/month, total cost $18,626 including the fee.

    See terms and the full example

Representative examples use the midpoint of the Strong profile's APR range at that term and include the one-time 3% origination fee. They are illustrations, not offers. Your APR depends on your profile and term.

Same loan, same rules

The job changes the term, not the fine print

An equipment loan and a working capital loan are priced by the same published table and carry the same short fee list. Pick the shortest term the job allows: it almost always costs the least in total.

  • Checking your rate is a soft credit pull, so it won't affect your credit score. A hard pull happens only if you accept an offer.
  • One fixed ACH payment a month. Never daily or weekly debits.
  • Pay off early at any time with no penalty. Interest simply stops.
  • Approval is never automatic. A person reviews every file and explains every decline.

Every fee, on every loan

Origination (one-time)
3% of the loan
Late payment (after 10-day grace)
$25
Returned payment
$15
Prepayment, application, maintenance
$0

The full table with every condition is on rates and fees.

Straight answers

What we don't offer

Knowing what a lender won't do saves you an application. If you need one of these, someone else will serve you better.

Merchant cash advances

No factor rates and no daily debits from your card sales. If you have one, we may be able to refinance it.

Lines of credit

We make term loans only. For draw-and-repay needs, a bank line is usually cheaper, and we'll say so.

Personal or consumer loans

Every loan is for a business purpose and goes to a business bank account.

Real estate purchases

We don't fund property purchases or flips. Build-outs inside a space you lease are fine.

Not sure which loan fits?

Start with the estimate. You pick the use of funds in step one, and the numbers update before you share anything about yourself.

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